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Este capital no se puede retirar, mientras quieras seguir siendo socio y sirve para el crecimiento, ampliación y mejoramiento de nuestra cooperativa.

El objetivo de la cooperativa es fomentar el habito del ahorro, para la caja popular lo más importante es que tú te propongas ahorrar una cantidad cada 8, 15 o 30 días,  siendo lo más importante la constancia no la cantidad 

El ahorro gana un interés mensual. El ahorro es independiente del préstamo, puedes ahorrar lo que quieras.

Otorga: 

Por doscientos pesos al año, cuando inicias, o cien cuando ya tienes un año en la caja y te otorga:

  • Seguro funerario para el socio.
  • Devolución de lo que tenga en el Ahorro.
  • Entrega $10,000.00 a su beneficiario.
  • Protección al Préstamo hasta por $50,000.00 pesos.

General motors india case study

El ahorro siempre será nuestra seguridad.

Ven inscribete, ¡no lo pienses mas!
  • Automáticos: Prestamos hasta por la cantidad que tenga ahorrado con el 1.5% de interés mensual sobre saldos insolutos
  • Inmediato: hasta cinco mil pesos con el 2% mensual aunque tenga otro préstamo.
  • Tanda buen fin: te presta el doble de lo que ahorres hasta un mes antes del buen fin con el 2% de interés.
  • Tanda fiesta: te presta el doble del ahorro hasta una semana antes de la fiesta Enero 27.
  • Prestimoto: Te presta hasta cuatro tantos de tu ahorro al 2%
  • Préstamo tu bici: Te presta para adquirir tu bici al 2%
  • Préstamo Calentador solar: Hasta 7,000  al 2%
  • Llenar una solicitud de admisión
  • Pagar la cuota de inscripción $10 pesos
  • Asistir a una platica informativa
  • 1 Copia de credencial de elector
  • 1 copia del comprobante de domicilio (recibo del predial)
  • 1 Copia del acta de nacimiento
  • 2 Fotografias
  • Copia de la CURP

NUESTRA META ES:
EL BIENESTAR DE TODA TU FAMILIA 

No preguntes cuanto te podemos prestar, pregúntate cuanto puedes pagar.

Despues de completar tú parte social de $1,100 pesos y cumplir tres meses ahorrando se otorga tu primer préstamo.

El comité de crédito checara tu constancia en los ahorros, para ver si tienes derecho a ese préstamo que solicitas y cuando lo obtengas, deberás fijarte la meta de cumplir con los abonos e intereses y de continuar ahorrando.

Si tu cumples con estos puntos y fuiste cumplido al 100% para pagar tu préstamo anterior y asististe a la

asamblea anual, inmediatamente tienes derecho a pedir un préstamo hasta por el triple de tus ahorros.

Así, cada socio obtiene por su propio esfuerzo un préstamo más alto y cada uno de nosotros nos recomendamos como socio regular y cumplido.

Los intereses que tú pagas son con los que se sostiene la cooperativa de tal manera que tú pagas todo, es por eso que “la caja es de todos”.

Cobro de interés:

  • En los préstamos automáticos se cobra el 1.5% mensual.
  • En los préstamos ordinarios se te cobra el 2% mensual.

Los intereses moratorios se cobran con el 1.5% y siempre se cobraran con el saldo que va quedando.

A partir de Enero 2014 ya es obligatorio el pago del IVA de los intereses que se te cobren.

Es un pagador solidario, si tu no pagas él paga por ti. Cuando solicitas un préstamo ordinario, que es el doble o más de lo que tú tienes en el ahorro, vas a necesitar que alguien firme por ti, para darle seguridad a tu dinero y al dinero de los demás.

Se necesita:

  • 1 aval hasta por 30,000
  • 2 avales $30,001 a $50,000
  • 3 avales $50,001 en adelante y el pago de un seguro de vida, donde dejas de beneficiario a la caja.
  • Tienes derecho de voz y voto, en las asambleas que es el órgano de gobierno de mayor jerarquía.
  • Tienes derecho a todos los préstamos.
  • Tú eres libre de decidir cuando entras y cuando te retiras.
  • Puedes usar el buzón de quejas, ya que en la caja todos somos iguales.
  • Es obligatorio asistir una vez al año a la asamblea general de socios.
  • Es obligatorio pagar tu seguro mutual, ya que esta ayuda te garantiza tu servicioo funerario gratuito, el pago de tu préstamo, por la aseguradora en caso de que fallecieras y la ayuda de $10,000 para tus beneficiarios.
  • Traer un invitado al año.
  • Conocer y cumplir los estatutos, reglamentos y acuerdos tomados por la asamblea.
  • Responsabilizarte de tus avalados.

CAJA POPULAR SANTA ANITA

Ocampo 255-B Santa Anita
Tlaquepaque, Jalisco.

Lun – Vie: 9 a 2 y 4 a 6
Sab: 9 a 1

SAN SEBASTIAN EL GRANDE

Emiliano Zapata 111-A, San Sebastian el Grande
Tlajomulco de  Zuñiga Jalisco.

Mar – Jue: 9 a 2

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